A personal umbrella policy is the ultimate way to protect your assets and your future. In addition to your standard lines of coverage, a personal umbrella provides an extra level of protection.

A personal umbrella policy covers you when your auto, home or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets, but your future earnings as well. Unfortunately, everyone is a target for a lawsuit. The simple fact is that in today’s lawsuit-happy culture, the unfortunate scenario of being sued for damages that exhaust your other policy limits is a real possibility. Ask your agent today about a personal umbrella policy.

With nearly every state in the country practicing financial responsibility laws, this makes every driver financially responsible for bodily injury, property damage and potential loss of income claims that may come as a result of a motor vehicle accident.

Similarly, homeowners need to protect themselves from a liability claim. Whether you’re hosting a party and serve too much alcohol, have a slip and fall accident on your sidewalk or a dog bites a neighbor, you can be held liable for medical bills, rehabilitation programs and lost wages.

Be sure to ask your insurance agent if you:

Conduct business activities from your home

If you’re in the farming business

If you own other vehicles such as boats, motorcycles or RVs

If you own other vehicles, property or aircraft that may be covered on another insurance policy

There are many reasons to talk to your insurance agent about an umbrella insurance policy. Umbrella insurance offers the ultimate peace of mind. It eliminates the gaps and insufficient limits on all your policies. You’ll be amazed at how affordable coverage can be.

Broader Coverage

An umbrella policy may also pay claims that are not typically covered by other personal policies. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid. The right coverage for you is unique – talk to a Dupre Carrier Godchaux Agency, Inc. agent today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you.